目前,国内大型商业银行为防范风险,避免了银行之间恶性竞争和盲目竞争,防止银行同业间的信息沟通不畅,使金融市场健康有序发展,逐渐对国内固定资产贷款超过一定金额的项目采用银团贷款方式。对于国内大型基建项目来说,银团贷款能够做到筹资金额大、期限长、筹资时间短、成本比 At present, in order to prevent risks, domestic large-scale commercial banks have avoided vicious competition and blind competition among banks, prevented poor communication among banks, promoted a healthy and orderly development of financial markets, and gradually increased their loans to domestic fixed assets by more than a certain amount Using syndicated loans. For large-scale infrastructure projects in China, syndicated loans can achieve large amounts of funds raised, long deadlines, short funding time and cost